You can purchase Voyage Shield from the country you reside either permanently or temporarily provided that the product is available in the particular country.

If you are a European citizen and suddenly you suffer an illness during your trip to a different European country than the country of residence, you are covered for healthcare that needs to be provided immediately. When traveling abroad, you always need to have the EHIC with you. If you do not, you may be asked to pay. The EHIC is not applicable in case of rescue and repatriation.  Healthcare provided by private Hospitals or Clinics is not covered by EHIC. Pre-existing medical conditions are also excluded from this coverage. The most comprehensive solution against sudden illness or accident while abroad is a combination of EHIC and Travel Insurance.

If you travel often the annual Multiple Travel Insurance, is the most value for money solution.

Yes, it is necessary to have this type of insurance before you actually travel. In fact, in some countries it is even necessary for obtaining a visa.

For some other countries it may not be compulsory to have a travel insurance, however obtaining a good travel insurance it is still considered necessary when traveling for business, leisure or studies, etc. 

In the event of possible unfortunate incident, medical costs at the country of destination may be high for illness or accident that are related to the trip.

It is important to ensure your interests as a traveler and to maintain control of your financials even if misfortunes happen during your voyage.

Travel Insurance protects you in case of sudden illness or accident, in case of  trip cancelation or flight delay loss or damage of luggage. It also provides cover in the event of travel and other documents loss. . In the policy you may find a detailed explanation of all covers that have been carefully designed for your safety and a relaxed trip.

The premium is calculated based on age group. The age you are asked to fill is according your last birthday.

Travel Insurance does not cover pre-existing medical conditions/illnesses. Therefore, no medical examination is needed before purchasing a Travel Insurance.

With an annual multiple Travel Insurance, you may travel as many times as you wish within the period of cover. Each trip may last up to 31 consecutive days.

You can get a separate policy for each one of your family members. However, going for a family package will grant you a lower premium. Family members are considered the spouse, and children up to 18 years old.

All insurance products under Voyage Shield cover all prerequisites for a Schengen Visa.

If the age you filled at the quotation stage is correct, then your cover is not affected in any way.

In the event of issuing any incorrect information and data on the Policy Schedule, this maybe corrected with an alteration. The alteration may be completed for any information that do not affect the premium. In the event that the premium is affected then a new policy will be issued in substitution of the existing one.

Should you wish to cancel your policy, you need to submit a written notification within 14 days from the policy issue date, then you may be fully refunded the premium paid unless a claim was raised. In case of bank transfer, the bank charges burden the insured.

It is very important to read the policy documents to know if such a situation arises. Prior approval is required in most cases, although there may be exceptions depending on the emergency.

If during your trip, you come across any difficulty you may contact the Assistance Company which will provide you guidance 24/7. The contact details phone number and email address are stated on your policy schedule. 

A third-party assistant (TPA) works as a representative of the insurance company which provides claims services. Therefore, it is necessary to have the contact details (phone number, email, etc.) and any other details of the Assistance Company as it will be your contact point should any unexpected situations occur during your trip.

Naming insurance covers, and/or their limits, do not really reveal in themselves.

To fully comprehend, the insureds need to read the policy where all the details, terms, conditions, prerequisites, exceptions and deductibles are stated.